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Articles on private mortgage loans in Quebec, organized by topic
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1 September 2026
Cash Flow Problems or an Economic Slowdown: Protecting Your Home
Cash flow problems at home don't always show up at the same time as a broader economic slowdown, but the two can overlap. A job loss, a slower period at work, or a sudden jump in expenses can be enough to strain even a well-managed budget.
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Discover our insights, tips, and analysis of the Canadian real estate market.
Topico
No Income? A Credit Line Mortgage Alternative That Works
A credit line mortgage sounds like the perfect tool when you need cash without selling your home. The catch: most banks still want to see steady, declared income before approving one.
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1 September 2026
Topico
Financial Hardship: What Solutions Exist for the Home Owner?
Financial hardship can happen to anyone, even someone responsible. A job loss, a separation, a notice of seizure, or credit card debt that keeps piling up: the situation gets stressful fast.
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1 September 2026
Topico
Business Debt Solutions and Access to Capital for Owners
Are you carrying business debt and your bank turned you down? You're not alone. More and more Quebec property owners are looking for access to capital when the traditional banking system can no longer meet their needs.
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1 September 2026
Topico
Mortgage Default in Quebec: Avoiding an Ownership Transfer
A mortgage default is one of the most stressful situations a Quebec homeowner can face.
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1 September 2026
Topico
Private Mortgage: A Mortgage Funding Solution
You need money quickly for your property. The bank just turned down your application. You're wondering exactly what a private mortgage is and how it can help you get back on track.
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1 September 2026
Topico
Financing Plan with a Private Lender: How It Works
You're looking to put together a solid financing plan before buying or refinancing your property. Finding the right partner can seem complicated. You're wondering where to start.
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1 September 2026
Topico
Cash on Hand and Liquid Funds: The Solution
Les institutions financières viennent de refuser votre demande. Vous avez besoin de liquidités rapidement. Vous vous demandez s'il existe une autre solution.
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31 August 2026
Topico
Home Foreclosure in Quebec: What Can You Do Before You Have to Leave the Property?
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14 August 2026
Topico
When is the Best Time of Year to Sell My House?
There is no truly best or worst time of year to sell a house, since transactions take place throughout the year.
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1 December 2025
Topico
How Much Does a Mortgage Penalty Cost?
If you sell your house or refinance your mortgage loan before the end of the term, the financial institution that has granted the loan could impose a mortgage penalty, that is to say you will have to pay additional fees.
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1 November 2025
Topico
How to Buy my First House?
Buying a house represents a very important transaction, especially when it is the first one, and that you’re not sure you can afford it.
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1 July 2025
Topico
How to Reorganize Your Finances.
Every week, you live with the fear that your pay may not get in. It is barely deposited in your account that the amount is already spent, almost completely to the last penny.
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1 July 2025
Topico
Do I Have to Mortgage my House to Renovate It?
It is normal for a house to weaken as time goes by, and it needs some renovations after a few years.
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1 July 2025
Topico
What is the Difference Between a Fixed Mortgage Rate and a Variable Mortgage Rate?
When you contract a mortgage, the loan comes with interests, of course.
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1 July 2025
A complex case deserves a clear answer — not silence
Tell us about your situation. We’ll let you know what can be assessed, what you need to prepare, and the realistic limits of the solution being considered.